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Tag: commercial

Auto Insurance: Commercial versus Personal

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If you’re a company owner, one of your responsibilities is purchasing commercial insurance. Many business owners prefer working with an experienced insurance agent when exploring their options. If your company is near Elmira, NY, our team at Stewart Agency, Inc. looks forward to meeting you. We’ve been working with businesses like yours since 1985.

Auto Insurance: Commercial vs. Personal

Just as all New York drivers must maintain active auto insurance, businesses must carry auto insurance for vehicles used for business purposes. In the business world, this is known as commercial auto insurance. Many company owners wonder whether they need both personal and commercial coverage, so it helps to understand the key differences between the two.

The main distinction between personal and commercial auto insurance comes down to how the vehicle is used. Companies need commercial auto insurance for any vehicle that transports company goods or makes deliveries. If your business uses a vehicle as a mobile business location, such as a food truck, that’s another reason to carry commercial coverage. And if your business involves transporting people, such as a taxi or rideshare service, commercial auto insurance is required for all vehicles used in that capacity.

Call Us Today for Your Appointment

You never know when a disaster might damage your business property. Our team at Stewart Agency, Inc. has the experience to help you select the right components for your commercial insurance portfolio. Clients in the Elmira, NY, area have relied on us for excellent customer service for over 40 years. Give us a call today for your appointment.

Your Commercial Insurance Coverage Needs Can Change As Your Business Grows

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The right business insurance protects your company from unexpected costs and ensures its financial stability. As your business grows, you may add new operations or personnel that require specialized coverage. Periodic reviews of your current insurance policies can help identify areas of vulnerability. At Stewart Agency Inc. in Elmira, NY, we can help you secure the right policies to meet your company’s evolving needs.

Types of Commercial Insurance Policies

A wide range of insurance coverage is available for businesses, depending on your specific needs. General liability insurance is a standard policy, and workers’ compensation is typically required by the state if you have employees. Property insurance, income insurance, and key personnel insurance can protect your business from expensive losses due to unforeseen circumstances. Additional coverages, such as product liability, cyber liability, and umbrella policies, may also be necessary depending on your operations.

Changing Situations Require More Insurance Protection

As your business evolves, new circumstances may require additional insurance coverage. For example, hiring a professional staff member may necessitate “errors and omissions” insurance. Adding vehicles to your business fleet will require commercial auto coverage. Purchasing a building for your operations may call for commercial property insurance. If your business relies on customer data, cyber liability insurance may be essential. These changes and others can impact your need for new or updated policies.

Choose Stewart Agency Inc. for All Your Commercial Insurance Coverage

A thorough review of the changes your business has undergone in recent months may reveal gaps in your insurance coverage that could hinder your growth. Our experienced agents can help you understand how commercial insurance protects your interests. Contact Stewart Agency Inc. in Elmira, NY, today for a no-obligation quote on insurance tailored to your company’s changing needs.